TellerScore

Jersey City Police Federal Credit Union is a federal credit union headquartered in Jersey City, New Jersey, in business for about 76 years. At the end of Q2 2026 it reported $8.0M in total assets and $5.8M in member shares and deposits, with 3 offices across 2 states.

Jersey City Police Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 14th. Capital cushion contributes the most (100/100, 27.97%); loan quality contributes the least (42/100, 1.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.97%
Loan quality42/100
Loans 60+ days delinquent ÷ total loans: 1.75%
Earnings100/100
Return on assets (annualized): 2.10%
Funding & liquidity100/100
Loans ÷ shares: 31.1% · 1.1% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.40%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (91 → 85), mostly because the loan quality component weakened by 24 points.

TellerScore
758492Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202482
Q4 202486
Q1 202589
Q2 202591
Q3 202592
Q4 202580
Q1 202681
Q2 202685
Net worth ratio
7.00%17.48%27.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.53%
Q3 202422.26%
Q4 202422.31%
Q1 202522.29%
Q2 202524.68%
Q3 202525.73%
Q4 202527.13%
Q1 202627.27%
Q2 202627.97%
Delinquent loans (60+ days)
0.96%1.68%2.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.59%
Q3 20241.26%
Q4 20241.11%
Q1 20251.12%
Q2 20251.01%
Q3 20250.96%
Q4 20252.39%
Q1 20262.22%
Q2 20261.75%
Return on assets
0.60%1.71%2.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20241.11%
Q4 20241.44%
Q1 20251.85%
Q2 20252.43%
Q3 20252.79%
Q4 20252.81%
Q1 20262.00%
Q2 20262.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$8.0M27.97%1.75%2.10%31.1%
Q1 202681$8.1M27.27%2.22%2.00%31.4%
Q4 202580$8.0M27.13%2.39%2.81%35.5%
Q3 202592$8.2M25.73%0.96%2.79%33.0%
Q2 202591$8.3M24.68%1.01%2.43%32.3%
Q1 202589$8.9M22.29%1.12%1.85%29.8%
Q4 202486$8.7M22.31%1.11%1.44%33.7%
Q3 202482$8.5M22.26%1.26%1.11%33.7%
Q2 202475$8.5M21.53%1.59%0.60%34.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio27.97%
92nd
Problem loans1.75%
25th
Net charge-offs1.74%
7th
Return on assets2.10%
95th
Loans to deposits31.1%
88th
Uninsured deposits1.1%
53rd
Loan-loss reserves0.75%
80th
Texas ratio1.4%
60th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
I.L.A. Local 1235 Federal Credit UnionCredit union Springfield, NJ73 out of 100, Strong$7.5M12.0%0.21%vs
Passaic Police Federal Credit UnionCredit union Passaic, NJ78 out of 100, Strong$7.4M15.4%2.51%vs
Saker Shop Rite Federal Credit UnionCredit union Holmdel, NJ55 out of 100, Moderate$7.3M25.5%3.80%vs
Fort Dix Federal Credit UnionCredit union Joint Base MDL, NJ46 out of 100, Below average$7.3M10.7%4.54%vs
New Jersey Community Federal Credit UnionCredit union Moorestown, NJ55 out of 100, Moderate$8.8M10.2%2.11%vs
New Jersey State Pba Federal Credit UnionCredit union Woodbridge, NJ71 out of 100, Strong$7.2M15.5%0.41%vs

Deposit insurance

Is my money safe at Jersey City Police Federal Credit Union?

Yes. Jersey City Police Federal Credit Union is a federally insured credit union (NCUA charter #6944). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.1% of shares and deposits ($62K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 27.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Jersey City Police Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jersey City Police Federal Credit Union
Type
Federal credit union
NCUA charter #
6944
RSSD ID
584386
Primary regulator
NCUA
Established
1950
Headquarters
161 Sterling Ave, Jersey City, NJ 07305
Employees
3

Quick answers

Jersey City Police Federal Credit Union: common questions

Is Jersey City Police Federal Credit Union NCUA insured?

Yes. Jersey City Police Federal Credit Union is a federally insured credit union (NCUA charter #6944). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Jersey City Police Federal Credit Union's TellerScore?

85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Jersey City Police Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Jersey City

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs